Using Vyne recurring payments with our hosted checkout is the simplest way to start taking recurring payments through your application. Before you proceed, make sure you understand the payment flow.
- The merchant begins the recurring payment by creating a RPIRRPIR - Recurring Payment Initiation Request. Vyne interfaces with Open Banking to create a payment with the requested amount, frequency, and payee details.
- Once the RPIRRPIR - Recurring Payment Initiation Request is created, the payment needs to be presented to the consumer in order to allow them to select a bank. A redirect URL or QR code URL returned when creating the RPIRRPIR - Recurring Payment Initiation Request provides a way to redirect the consumer to a Vyne hosted checkout page.
- The consumer selects their bank and consents in the hosted checkout.
- After consenting, the consumer is redirected to mobile banking (mobile bank app) or online banking (website). The consumer authenticates with the bank biometrically or using credentials.
- At the bank, the consumer is prompted to authorise the set up of the recurring payment.
- Once the payment is authorised at the bank, the consumer will be redirected back to the callback URL provided in the RPIRRPIR - Recurring Payment Initiation Request.
A RPIRRPIR - Recurring Payment Initiation Request is an instruction to the payer's bank to set up a schedule of fixed recurring payments. This means that the payment amount must be the same for each payment, and the schedule must be a regular recurrence (e.g. monthly).
Fixed GBP recurring payments are created as a standing order with the payer's bank - Vyne does not control the execution of the payment. The payer's bank is responsible for execution of payments from the standing order once the request has been accepted.
Each recurring payment contains a unique request ID.
First payment date
The request ID will be included as a reference for each payment made into the merchant bank account.
Helpful to know
- If the day a standing order is due to be paid falls on a Saturday or Sunday (a non-working day) it will not be paid until the next working day. Many banks advise that the funds will be earmarked ready to be debited regardless.
- Recurring payments must be set with a first payment date of at least 3 days after the date the RPIRRPIR - Recurring Payment Initiation Request is created. To take an immediate payment, use payment initiation.
- Currently, some banks only accept recurring payments with a first payment date on a working day (i.e. not weekends or bank holidays). Because of this, we recommend limiting date selection to working days.
- Any payments subsequently made in a recurring payment schedule will not be handled as Vyne payments, and are processed directly by the bank. However, a record of the RPIRRPIR - Recurring Payment Initiation Request is available in the Merchant Portal.
- Once a recurring payment has been set up, it is the responsibility of the consumer to make any further changes to that schedule at their bank, including changes to the frequency or amount.
- Vyne will not be notified if a recurring payment is cancelled by a consumer once it has been set up. It is the responsibility of the merchant to communicate the consumer's obligations to notify the merchant upon cancellation, subject to the merchant's payment terms.
Before you begin your integration, make sure you've run through our getting started guide to sign up for an account, get an access token, and configure a callback URL.
Updated 2 months ago
Once you're ready to begin, start by requesting a recurring payment.